Monday, 24 December 2012

Financial Management For Myself :))

Assalamualaikum and hello my
blogworld!

Its getting near to the end
of the year and also its time for my second salary from Schlumberger!
Alhamdulillah! :)

Well, you must already know
how ‘big spender’ I am right? Yeah, its so hard to admit but that’s the
reality. But now, Im trying my best with all of my efforts to have a better
control on my money. Money management for myself. Because in my opinion, all
these times, the money is controlling me, not me controlling the money. *sigh
:|

Alright, now lets see how my
effort going on.

a) Put My Budget in Different Envelope

From
many articles I read, these tip always being mentioned. Yup, using different
envelope for every single needs of yours. Starting from now, Im using this
method. I have calculated all of the money that should be spent in one month,
take the cash from the bank and put it inside the envelope. For example, I need
to pay my room rent, thus I will put the amount of the rent to the envelope
before paying it to the owner. Another example is for my daily needs. I have
calculated on how much I will spend for my meals and transportation cost (only
for working days) and I can only use that amount of money. Its more than enough
actually for a day. Hehe :D

b) Invest in Dinar & Gold

Hmmm this one is so
damn important you know. Investing for my future! Hhe :)) some people my say Im
too young to have an asset but don’t you know that when we start it soon than
we can achieve our ‘free financial’ soon too? That’s why I realize I should
take the action now. From everything I research to invest on, I found Dinar
& Gold is the best. Why? The price is affordable, suitable with my salary
and the place to save it also secure enough. Thus, from now on, every month I
will spend the budget to buy these things. And InsyaAllah, I already have my
targets to spend this asset soon. InsyaAllah, in a very good way. Aamiin :)

c) My IDR 20.000 Bank!

This one started
quite long ago, since I found @hanya20ribu account on twitter. After reading
the rules of how to collect the money, I started to take the action. Yup, for
every IDR 20.000 I get, it should be the right of my piggy bank. Due to
business reason, few months ago I have spent the money in my bank, and now Im
starting from zero again. But no worries, starting from 1st December
until today, the amount of my IDR 20.000 in my piggy bank is increasing!
Alhamdulillah :) it’s a very good habit that you can practice it too. Everytime
you get the IDR 20.000 just remember your piggy bank and you will be very happy
to do this responsibility. Hewhew :D

d) No More Bring My ATM/Debit Card

This
one is quite extreme, but I have to force myself to do so. Because I have this
bad habit of cant stand of looking at cute things, no matter I need it or not for
sure I will buy it. and the result, I keep on spending money to unimportant
stuff. huaaaaah x_____X so, I have decided to have control to my money and this
is what Im doing now. Im keeping away my debit card whenever Im going. Because
I already put the budget in those envelopes I mentioned earlier, thus I can
only spend from that. Its hard, but I will try. InsyaAllah :)

So, they’re my efforts to have a control to my money. I
hope I can always do this, all the times. And maybe, you who reading this post
will also take an action to have a better financial planning and money control.
Its not money who control us, its our responsibility to control the money we
earn. Hhe ;)